Gavop's guide to buying homeowners insurance in Miami County, KS covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Miami County, KS - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| N Paola St, Durham Rd, E Main Ave, N Pearl St, Overhill Dr, Danford Dr, N 9th St, 4th St, Waterworks Rd, Flint St | $168,500 | $160,000 | $175,000-$200,000 | $136,000 | $110,000 | $125,000-$150,000 |
| Lincoln St, 265th St, State Line Rd, East Ter, 1st St, Palmer Dr, Pawnee Rd, Hwy K58, N Elm St, W 263rd St | $185,000 | $150,000 | $200,000-$250,000 | $167,000 | $140,000 | $150,000-$175,000 |
| Central, Rockville Rd, Roosevelt St, W Howard Pl, E Crestview Dr, N Iron St, Jingo Rd, 255 St, 17th St, Hickory St | $255,000 | $220,000 | $200,000-$250,000 | $178,500 | $140,000 | $200,000-$250,000 |
| Franklin, S Countryside Dr, Jeff Cir, N 4th Ter, Overbrook Rd, W 274th St, W Amity St, Rockville Rd, W 251st St, 219th Ter | $247,000 | $200,000 | $200,000-$250,000 | $96,500 | $90,000 | $100,000-$125,000 |
| 235th St, W 34th St, Chippewa St, W 322nd Ter, Autumn Ct, N Oak St, S Main St, N 11th St, W 391st St, Leroy St | $86,000 | $70,000 | $75,000-$100,000 | $64,500 | $60,000 | $50,000-$75,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$261 | $1,114 |
| Superior Protection Discount | -$124 | $1,251 |
| Fire & Security Discount | -$138 | $1,238 |
| Hail Resistant Roof Discount | -$41 | $1,334 |
| Newly Constructed Home Discount | -$358 | $1,018 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Miami County | $2,500 | $1,359 | $3,859 | $987 | $3,487 | $371 |
| Miami County, KS | $1,500 | $1,359 | $2,859 | $987 | $2,487 | $371 |
| Valley, KS | $300 | $1,500 | $1,800 | $1,090 | $1,390 | $410 |
| Spring Hill, KS | $700 | $993 | $1,693 | $722 | $1,422 | $271 |
| Coldwater, MO | $300 | $1,043 | $1,343 | $758 | $1,058 | $285 |
| Centropolis, KS | $700 | $1,461 | $2,161 | $1,062 | $1,762 | $399 |
| Jackson County, MO | $200 | $961 | $1,161 | $698 | $898 | $263 |
| Parkville, MO | $700 | $925 | $1,625 | $672 | $1,372 | $253 |
| Valley Brook, KS | $500 | $1,116 | $1,616 | $811 | $1,311 | $305 |
| Perry, KS | $1,000 | $1,221 | $2,221 | $887 | $1,887 | $334 |
| Deepwater, MO | $300 | $817 | $1,117 | $594 | $894 | $223 |
| Carbondale, KS | $2,000 | $1,037 | $3,037 | $754 | $2,754 | $284 |
| Home Insurance Company Miami County, KS | Homeowners Insurance Agency Miami County, KS | Address | Popularity Score | Distance from Miami County (miles) |
|---|---|---|---|---|
| Farmers | Leah Smith | 16069 S Bradley Dr, Olathe, KS, 66062 | 18.9 | |
| State Farm | Lee Ann Woods | 5235 W 95th St, Overland Park, KS, 66207-3201 | 28.7 | |
| Farmers | Desiree Mondragon | 7133 W 80th St Ste 204, Overland Park, KS, 66204 | 30.1 | |
| State Farm | John Booth | 1821 S Ridgeview Rd, Olathe, KS, 66062-2288 | 19.8 | |
| Liberty Mutual Independent | The Sloan Agency | 7400 State Line Rd Ste 202, Prairie Village, KS, 66208 | 31.9 | |
| Travelers | Vip Financial Services Llc | 7530 Floyd St, Overland Park, KS, 66204 | 30.6 | |
| Farmers | Melissa Misic | 11111 W 95th St Ste 222, Overland Park, KS, 66214 | 27.6 | |
| Travelers | Dougan Insurance Group | 400 Park St, Stilwell, KS, 66085 | 16.9 | |
| Liberty Mutual Independent | Elliott Insurance Group | 278 Fairlane Dr, Louisburg, KS, 66053 | 8.1 | |
| State Farm | Michael Baca | 4701 College Blvd Ste 208, Leawood, KS, 66211-1934 | 27.0 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Kansas | $139,200 | $1,364 | $1,060 | $1,840 | $780 |
| Miami County, KS | $181,100 | $1,375 | $1,070 | $1,860 | $790 |
| Miami County, KS | $181,100 | $1,375 | $1,070 | $1,860 | $790 |
| Valley, KS | $178,300 | $1,518 | $1,180 | $2,050 | $870 |
| Spring Hill, KS | $184,200 | $1,006 | $780 | $1,360 | $580 |
| Coldwater, MO | $135,100 | $1,056 | $730 | $1,490 | $760 |
| Centropolis, KS | $167,200 | $1,479 | $1,150 | $2,000 | $850 |
| Jackson County, MO | $131,500 | $973 | $700 | $1,340 | $640 |
| Parkville, MO | $358,400 | $936 | $660 | $1,340 | $680 |
| Valley Brook, KS | $95,300 | $1,130 | $880 | $1,530 | $650 |
| Perry, KS | $113,500 | $1,236 | $960 | $1,670 | $710 |
| Deepwater, MO | $69,000 | $827 | $550 | $1,170 | $620 |
| Carbondale, KS | $82,900 | $1,050 | $820 | $1,420 | $600 |